| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | AETNA HEALTH, INC. | $27K | — | $27K | 1.69% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD SALINAS, CA 93901 | AETNA HEALTH, INC. | $8K | — | $8K | 0.49% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA HEALTH, INC. | $2K | — | $2K | 0.12% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 2.00% |
| AMWINS3 Filed as: LISI, INC. (GA) | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | KAISER FOUNDATION HEALTH PLAN INC | $23K | — | $23K | 2.00% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | KAISER FOUNDATION HEALTH PLAN INC | $27 | — | $27 | 0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | AETNA LIFE INSURANCE CO. | $21K | — | $21K | 3.50% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD SALINAS, CA 93901 | AETNA LIFE INSURANCE CO. | $981 | $11K | $12K | 2.06% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SERVICES | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | AETNA LIFE INSURANCE CO. | $245 | — | $245 | 0.04% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 4204 RIVERWALK PKWY STE 400 RIVERSIDE, CA 92505 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $18K | $3K | $21K | 11.76% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $103 | $13K | 38.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 20.89% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $160 | $2K | 5.16% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $133 | $9K | 32.98% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $44 | $5K | 19.78% |
| PROFESSIONAL ENROLLMENT CONCEPTS3 | 6200 SAVOY DR STE 345 HOUSTON, TX 77036 | METROPOLITAN LIFE INSURANCE COMPANY | $529 | $156 | $685 | 2.61% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KEENAN & ASSOCIATES | 2355 CRENSHAW BLVD., SUITE 200 TORRANCE, CA 90501 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $9 | $8K | 43.65% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF HOUSTON | 13750 SAN PEDRO AVE STE 550 SAN ANTONIO, TX 78232 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $2K | $8K | 40.28% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $269 | — | $269 | 11.41% |
| VARIOUS - SEE ATTACHED3 | C/O AFLAC 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $40 | — | $40 | 8.70% |
| LEAVITT GROUP3 Filed as: LEAVITT CENTRAL COAST INSURANCE SVC | 950 E BLANCO RD STE 103 SALINAS, CA 93901 | PREMIER ACCESS INSURANCE COMPANY | $700 | — | $700 | — |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS | 1600 W HILLSDALE BLVD SUITE 201 SAN MATEO, CA 94402 | PREMIER ACCESS INSURANCE COMPANY | $461 | — | $461 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 358 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 358 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | AETNA HEALTH, INC. | 654 | $3.3M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 654 | $590K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 654 | $590K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $182K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $182K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 358 | $182K |
| Prescription drug | KAISER FOUNDATION HEALTH PLAN INC | 205 | $1.1M |
| Other(7 contracts, 4 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 396 | $271K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 654 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.